top of page
  • Writer's pictureDonnelle Brooks

The Ultimate Guide to Pearler: A Game-Changing Investment Platform

In the traditional and mystical world of investing, technology continues to revolutionize the way people manage their finances. One such innovation is Pearler, an advanced investment platform that has been gaining popularity among investors worldwide. In this comprehensive guide, we'll delve into the features, benefits, and advantages of Pearler, and how it can enhance your investment journey.

Understanding Pearler: What Sets It Apart

Pearler is an intuitive and user-friendly investment platform designed to empower both seasoned investors and beginners alike. Its unique approach revolves around the concept of 'bundles,' which allow users to invest in diversified portfolios of exchange-traded funds (ETFs). By grouping together multiple assets within a bundle, Pearler ensures enhanced diversification and risk management, making it an excellent choice for long-term investors.

The Benefits of Using Pearler

So now we know what Pearler is, why would we choose it over other traditional means of buying shares?

Simplicity and Convenience

Pearler's streamlined interface makes investing accessible to everyone. Its user-friendly design guides investors through the process, eliminating the complexities often associated with traditional investing.

Diversification Made Easy

With Pearler's bundle feature, investors can effortlessly diversify their portfolios across various asset classes and industries, reducing exposure to individual risks.

Automatic Rebalancing

Pearler takes care of portfolio maintenance by automatically rebalancing your bundles, ensuring your investments align with your long-term goals without requiring constant monitoring.

Fractional Investing

Pearler offers fractional investing, enabling investors to buy portions of an ETF rather than the whole share, even for high-priced assets, making it budget-friendly for all investors.

How to use Pearler

Signing up with Pearler is a straightforward process. Users need to create an account, complete a risk profile questionnaire, and link their bank account to start investing. The risk profile questionnaire helps Pearler determine the appropriate bundle options that suit the investor's risk tolerance and financial objectives.

What are Pearler's Investment Strategies?

Pearler allows you to invest money using bundles. There are 3 ways to invest, custom, expert and recurring.

Custom Bundles

Investors have the flexibility to build their customized bundles by choosing from a wide selection of ETFs available on the platform.

Expert Bundles

Pearler also offers pre-built bundles curated by investment experts, designed to cater to specific financial goals, risk profiles, or thematic preferences.

Recurring Investments

Investors can set up recurring contributions, allowing them to stay disciplined and continue building wealth over time.

Is Pearler Safe?

Pearler takes the security of its users' personal and financial information seriously. The platform employs industry-standard encryption and security measures to protect sensitive data. Moreover, Pearler operates under strict regulations, providing an additional layer of safety for investors.

Pearler Customer Support and Education

Pearler emphasizes customer support and educational resources. Their team is readily available to assist users with any queries or concerns. Additionally, they offer educational materials, webinars, and blog posts to help investors enhance their financial literacy and make informed investment decisions.

Is Pearler better than Raiz?

The biggest difference between Pearler and Raiz is that Raiz charges a larger monthly account keeping fee, which is currently at$4.50/month. Pearler however charges a smaller fee is $1.70 - $2.30 plus charges brokerage fees for each transaction. Based on that, I would suggest Raiz if you want to invest small amounts regularly, and Pearler if you want to automate your investing strategy and get the most bang for your buck. Here are another few points about what makes them different:


Pearler is an Australian-based investment platform that focuses on long-term investing. It's designed to help you create a diversified portfolio of ETFs (Exchange-Traded Funds) aligned with your investment goals. Pearler emphasizes a hands-on approach to investing, allowing you to select and manage your own investments. This can be suitable if you have a good understanding of investing and want more control over your portfolio.


Raiz is a micro-investing platform that rounds up your everyday purchases to the nearest dollar and invests the spare change in a diversified portfolio of ETFs. This approach is often referred to as "round-up investing." Raiz is designed to make investing more accessible to those who might not have large sums of money to invest upfront. It offers a more automated and passive investing experience.

Does Pearler have a monthly fee?

Yes, Pearler's monthly fee is $1.70 to invest in 1 fund, and $2.30 to invest in multiple funds. This is only charged once your balance is over $100.

What is the Pearler brokerage fee?

The Pearler brokerage fee is a flat $6.50 or $5.50 for 10 transactions if you prepay $55.

Is Pearler Chess Sponsored?

Yes, Pearler is Chess Sponsored - which is handy. Shares endorsed by CHESS are shares that have been registered with a stockbroker. When shares are endorsed by CHESS, the broker assigns them a Holding Identification Number (HIN). This allows Direct ownership of and access to your shares even though you are using a broker.

Pearler Minimum investment

First time purchase of an ETF (read my guide to ETFs here) needs to be a minimum of $500. After that you can pay buy smaller amounts, but it wouldn't really be worth it for the brokerage fees. The best strategy here would be to pay smaller amounts into your account and autoinvest once it reaches $1000 dollars or more.

The Bottom Line

In a world where investing has become more critical than ever, Pearler stands out as a game-changing investment platform. Its innovative approach to diversification, ease of use, and commitment to customer support make it an attractive choice for both beginners and experienced investors. Whether you aim to grow wealth for retirement, achieve financial goals, or simply explore the world of investing, Pearler offers the tools and resources to help you succeed. Embrace the power of Pearler and embark on your journey towards financial prosperity. Happy investing!

204 views0 comments


bottom of page